First Central Bank
Cambridge, NE · Cert 10637 · Peer group: banks under $1B in assets in NE (n=83) · Central Bancshares Inc.
State charter, non-member · FDIC · 2 affiliate banks · 3 branches (8 in holding)
Q2 2026
$137.8MAssets
$106.6MLoans
$117.7MDeposits
$15.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in NE (rank 33 of 83).
- Widest gap: nonperforming loans / loans trails 95% of banks under $1B in assets in NE (rank 80 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.36%
Rank 27 of 83
Net Interest Margin
4.03%
Rank 20 of 83
Efficiency Ratio
62.86%
Rank 48 of 83
Equity / Assets
11.55%
Rank 38 of 83
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 43% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.93% | 1.20% | 1.51% | Beats 67% | 27 / 83 | | |
| Return on Equity | 11.75% | 8.04% | 10.34% | 13.11% | Beats 61% | 32 / 83 | | |
| Net Interest Margin | 4.03% | 3.25% | 3.62% | 4.02% | Beats 76% | 20 / 83 | | |
| Efficiency Ratio | 62.86% | 51.13% | 59.95% | 67.19% | Beats 43% | 48 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.47% | 0.00% | 0.19% | 0.96% | Beats 5% | 80 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 13.77% | 10.94% | 13.24% | 16.62% | Beats 55% | 37 / 83 | | |
| Total Risk-Based Capital Ratio | 15.00% | 11.04% | 13.54% | 17.63% | Beats 60% | 33 / 83 | | |
| Equity / Assets | 11.55% | 9.90% | 11.31% | 13.84% | Beats 54% | 38 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.52% | 71.97% | 83.15% | 92.22% | 69th pctl | 26 / 83 | | |
| Loans / Assets | 77.33% | 57.96% | 69.15% | 77.64% | 73rd pctl | 22 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |